Susanne Phillips
Napa,CA
Summary
Dynamic Finance Manager with a proven track record at JC'S RV'S/CORDELIA RV along with RV Country Sparks NV, excelling in sales process development and continuous improvement. Knowledge in electronic contracting and adept at building customer trust, resulting in increased F&I product penetration. Committed to compliance and delivering exceptional service while mentoring sales staff for enhanced performance.
Talented F&I Manager with proven track record of providing financial services to customers while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing sales. Offers great time management and task prioritization skills.
Overview
31
31
years of professional experience
Work History
Finance Manager
JC'S RV'S/CORDELIA RV
04.1994 - Current
- •Negotiate loan terms and interest rates with lenders on behalf of the customer.
- •Secure financing approval and finalize loan documents.
- •Ensure all loan documentation is accurate and compliant with regulations.
- •Present and explain various financial and insurance products (extended warranties, gap insurance, service contracts, etc.).
- •Tailor product recommendations to the customer's needs and budget.
- •Overcome objections and effectively close deals on F&I products.
- •Maintain a deep understanding of all offered products and their benefits.
- •Structure financing deals that meet customer needs while maximizing dealership profit.
- •Utilize various tools and techniques to increase profitability within legal and ethical boundaries.
- •Track sales performance and identify opportunities to improve F&I penetration (percentage of customers purchasing F&I products).
- •Provide exceptional customer service throughout the financing process, ensuring a smooth and positive experience.
- •Build trust and rapport with customers, addressing their concerns and questions with professionalism.
- •Maintain a positive and welcoming demeanor in sometimes high-pressure situations.
- •Ensure all financing and sales practices comply with federal and state regulations (e.g., Truth in Lending Act, Fair Credit Reporting Act).
- •Stay informed about updates to regulations and adapt processes accordingly.
- •Train and mentor sales staff on F&I products and processes.
- •Maintain strong relationships with lenders and insurance providers.
- •Assist with monthly and quarterly sales reports and financial analysis (as needed).
Finance Manager
RV Country
05.2019 - 08.2020
- •Met with customers after the RV selection to discuss financing options.
- •Assess customer creditworthiness and pre-qualify them for loan options from various lenders.
- •Negotiate loan terms and interest rates with lenders on behalf of the customer.
- •Secure financing approval and finalize loan documents.
- •Ensure all loan documentation is accurate and compliant with regulations.
- •Present and explain various financial and insurance products (extended warranties, gap insurance, service contracts, etc.).
- •Overcome objections and effectively close deals on F&I products.
- •Structure financing deals that meet customer needs while maximizing dealership profit.
- •Utilize various tools and techniques to increase profitability within legal and ethical boundaries.
- •Track sales performance and identify opportunities to improve F&I penetration (percentage of customers purchasing F&I products).
- •Provide exceptional customer service throughout the financing process, ensuring a smooth and positive experience.
- •Build trust and rapport with customers, addressing their concerns and questions with professionalism.
- •Maintain a positive and welcoming demeanor in sometimes high-pressure situations.
- •Ensure all financing and sales practices comply with federal and state regulations (e.g., Truth in Lending Act, Fair Credit Reporting Act).
Education
Required
Carmel High School
Carmel-by-the-Sea, CA09-1976
Skills
- Sales process development
- Continuous improvement
- Proficient in ADP, Lightspeed & App One
- Electronic contracting
- DMV Processing
Timeline
Finance Manager
RV Country
05.2019 - 08.2020
Finance Manager
JC'S RV'S/CORDELIA RV
04.1994 - Current
Required
Carmel High School
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